Cleaning Up A 20 Year Financial Mess Takes Time | March 14, 2024

The Ramsey Show (March 14, 2024)
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Dave Ramsey & Dr. John Delony answer your questions and discuss:
- "What should I do financially after paying off debt?"
- "Should I sell my rental property if I'll pay $220,000 in capitol gains?"
- "How can I stop living paycheck to paycheck?"
- How to move past the shame of poor financial decisions
- "My pregnant ex is moving out of state - should I move too?"
- Why you shouldn't share ownership of a house with your kids just because they can't afford to buy one the one they want instead of what they need
- Dave Ramsey gives an update on the current state of the real estate market
- How to save up to afford a surgery while in Baby Step 2
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[@heavyd777]

I've been listening to Dave for 20 years. It took me 10 years and a good woman to start applying the principles. Been debt free for 6 years after decades of debt!

[@TheCookieFranco]

Congratulations. I’ve been in debt for about 20 years now. I’ll be debt free next year. I can’t wait!!!

[@mmp495]

​@@TheCookieFrancokeep listening and keeping the pace. You'll get there.

[@Baldwin321]

Even though I plan to stick with it, inflation is wasting my money and my portfolio is losing gains every day, so I need a cure right away. My main concern is how to raise the value of my cash reserve because it has been lying there for a very long time with little to no increases and inflation is currently about 3.4%.

[@Alden457]

I know what I want to do now that the market is in decline, but I'm not sure which stocks to buy, which investments would generate the best returns, etc. Due to the risk, the possible benefit is larger, and experts are better at drafting such precise contracts.

[@Christian67337]

In fact, despite having no experience or prior knowledge when I began investing in 2018, by the end of 2019 I had made a profit of over $750k. I had merely been adhering to the advice that my financial counselor had given me. This demonstrates that all you really need is an expert to assist you; you don't even need to be a great investor or put in a lot of work.

[@Theodore3241]

That's amazing! Given my failing portfolio, I could really use this manager's abilities. Who exactly has authority over you?

[@Christian67337]

There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.

[@Theodore3241]

Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.

[@TheCookieFranco]

I have to listen to this show in my car during my lunch break because my colleagues think it’s impossible to debt free lol.

[@jessicacarmen2458]

You will prove them wrong!

[@sharondarandall2632]

I have people in my life that don’t agree with Ramsey at all. However I still listen as I normally would in front of them.

[@annamineer2521]

That's crazy! Don't they realize that living life in debt is actually a very recent development in the scheme of things? About 100 years in history, if that.

[@adoe2305]

I wouldn't want to listen to someone else's crap podcast either 😂 There's a reason they invented headphones

[@adoe2305]

​@annamineer2521 what!? Banker is the second oldest profession. What's new is the governments security of peoples debt. And because of that, it's has gone out of control. I.e Student loans.

[@alexisballard1459]

My FAVORITE callers are the ones that spend an entire minute explaining themselves, then say “My question is….” then proceed to explain away their life for another minute followed up by no question 😅

[@funguy1086]

Those are the folks that always have a never ending story when you talk to them 😂

[@mikeynoels7210]

Don’t forget they say something to the tune I’ll jump right into the question then ramble for a min then ask it once Dave or co-host asks for it

[@TheCookieFranco]

THOSE FOLKS GIVE ME SO MUCH ANXIETY WHEN TGEY DO THAT!!!!!

[@TheOriginalMrB]

My favorites are the ones who never stop talking in order to listen to the answer they’re getting.

[@josephhood1591]

My favourite are the ones that call saying they have been followers for a long time, then ask a question that is answerable by just knowing what the baby steps are.

[@JSmith-dj2pi]

My wife and I found out we were having a baby while we were dating. She had some absolute crazy hormone swings, but i looked past all of that and did everything in the world to make it work and help her. 20 years later, we have two kids, shes my best friend and the kids drive us both mentally insane, lol The lesson should be you stand by the mother of your child and do whatever you can to make it work. Especially now in his case.

[@kaieastty8948]

My issue is we do not know who broke up with who. She could have broken up with him.

[@brandihoule6060]

Give yourself Grace on the 1st month of the budget. I didn’t realize how badly I needed to hear that. I am also in the first month of our every dollar app. My hands are shaking.

[@homeboy391]

Dave knows his stuff. I don't agree with him on everything but he has been successful in business. Good for him!

[@Jetup24]

Why don't you agree with dave?

[@malissakirby4193]

Credit cards. I love the cash back and I pay my bills every Sunday.😇

[@homeboy391]

Love that: "the rear view mirror is smaller than the windshield" lol

[@richardgreene9220]

very good quote

[@sophiewillett2466]

Me also. A wonderful analogy.

[@Cravz69]

Amen!

[@prikanarek93]

When he said that I immediately looked at my rear view mirror and the windshield and said “Thank God”. Lol Leaving the past behind and getting myself debt free for a better future for sure! Seems so far away but if many can do it I know I can do it too. 💪🏻🤗

[@nicoleblake9266]

I only make about 35,000 a year. I didn't finish my degree. Im looking at getting a second job for my evenings and weekends to hopefully bring it up to 50,000. I have diabetes and am in chronic pain. If I can do it, almost anyone can!!

[@BeeDee-qs9so]

Good for you, Nicole. We’re all cheering in the background for you!🎉

[@nicoleblake9266]

​@BeeDee-qs9so thank u! I'll be cheering for u too! 🎉

[@dianem4188]

Don't give up Nicole. 🎆

[@pamsmith1665]

You haven't done it yet

[@rosedewittbukater5763]

Learn to cook Indian food and add turmeric and Ceylon cinnamon into your diet

[@JupiterN624]

I appreciate the advice to manage my finances like I was doing it for someone else or a company. Remove the emotion from it.

[@caliopeknows844]

Oh yes! Definitely!

[@nanceandthings820]

Dave Ramsey is my Hero !!!

[@lenak1438]

Jesus is my hero 🙌🏾 🙏🏽 ❤️

[@cherylbrooks821]

@@lenak1438 we can have more than one hero-besides, Jesus is my lord and savior-Dave is a “minor” hero. What he teaches works!

[@nanceandthings820]

@@lenak1438 Jesus is my Saviour. Be discerning so you can be an effective witness like Dave.

[@bonniehalf-elven]

The kid with his ex and a baby on the way should also insist on a DNA test before his name goes on the birth certificate and he takes any financial responsibility for this. They both seem pretty immature, so I wouldn't put anything past her, either.

[@Trustbutverify2651]

Kimberly, since it takes about 3 months to get used to a budget, I do the every dollar a little differently. I put in the income, then the fixed expenses, and then there is some left at the top and I like having that extra margin at the top and then as unexpected things come up, I enter those categories and we don't go over. For example, just this week our daughter and her husband and children arrived for a surprise visit. It was fun to take them out to dinner a few times and also treat them to some special activities. That was not in the budget - and would not have been if I had nailed down every dollar in advance. However, because there was margin still at the top for the "unexpecteds," then we had money to enjoy all that with them and enter a "Surprise Visit from Kids" category in the budget and still not go over. After a couple of months you can generally get the categories nailed down, but it's still nice to leave that margin without allocating every dollar. Every dollar also lets you look back to last year so you can be reminded of categories you forgot, perhaps those that are just paid once a year or once a quarter.

[@rosedewittbukater5763]

Or you can just alter your budget as you go throughout the month. Your budget at the end of the month doesn’t have to be exactly the same as when you set it in the beginning, so long as you aren’t going over what you’re bringing in and you’re putting every dollar in a place

[@Trustbutverify2651]

@@rosedewittbukater5763 Very true - and I think that is more the "Ramsey way", likely because they're asking people to be intentional about every dollar. I'm a big fan of Every Dollar. I like to enter everything manually which I find more effective than the "set it and forget it" idea. What I have found when I have promoted Every Dollar to my friends is that when they try it with the "put everything in before the month," they get frustrated with all the juggling in the beginning and then give up. I want to help them stick to it, and so giving a little margin at the top for unexpected things that turn up enables them to stick with the Every Dollar budget the first few months until they get used to how it works. It also forces them to actually enter a category when they spend money which, personally, I think sometimes makes them think more when they see the figure at the top actually go down because of some impulsive spending. Just another way of using this platform.

[@timchow924]

“Worshipping your TINY portfolio of $3 million dollars” LOL - Dave with the smackdown. Way to humble people!

[@eileenwatt8283]

I remembered Larry Burket. I listened to him and bought his savings bank and taught by God child how to save. Now she has twins and we would like to teach her kids using the same method. The bank is not available anywhere.

[@Trustbutverify2651]

You can buy three category banks online - spend, save, give - at the largest prime selling business in the country.

[@allisonolcott1263]

Dave, when you’re not getting mad at people you have some great advice. 😂

[@homeboy391]

Lol! Like a Baptist looking for a casserole! Gotta love that church potluck

[@Trustbutverify2651]

🤣

[@lightlightlight]

Dave I love that shirt on you ! Nice one ☝️

[@jblock8]

Like the millionaire hour. Everyone started at low income when they were 20. 15 years later they are making 250-300k. Sounds hard to have a 1.2 million dollar net worth with a 300k income. Boy really shows us middle class how easy it is to get there!

[@InspirationLed]

I love your croc-pot analogy! 😂 food always tastes better in those things! And I literally don’t own a microwave so my literal and financial metaphorical life are matching up nicely! 🎉lol

[@yeseniaarballo4793]

Fishing & golf; you’ll just get FAT, don’t do it. Got it 😂😂

[@user-di4zx2gu3i]

And may even die early before he reaches 70.

[@Treehandler]

Can not stand the callers that can’t answer a simple question. How much money do you make? Well because of Covid and the supply chain I’ve done really well and I’m a…

[@LP-sl5ex]

1:44:24 caller wants to accelerate alimony payments and give ex lump sum. Dave said do it. What about tax implications to her? She would have to pick all of that up in one year as taxable income . I would think he would have to account for that in the pay off.

[@malissakirby4193]

I wouldn't take a lump sum because of the tax implications. Question is alimony taxable? I don't 😢know. I was never able to get any from the b......!

[@christopherhernandez3909]

40:14 absolution is the word Dave was looking for.

[@taz24787]

"No, we only go out to eat once a week" ... And I bet they spend there everything they didn't spend during the week ... xD

[@Trustbutverify2651]

That can happen for sure! I'm AMAZED what families will put down for just a meal that is through the digestive tract in just a few hours!

[@taz24787]

@@Trustbutverify2651 EXACTLY

[@Hillcountry_Homemaker]

My favorite duo!!

[@Nigriff]

My cousin and his wife spent 500k on fertility treatments over 4 years and then got pregnant 6 months after they stopped the treatments and gave it up to God.

[@butlerbees6639]

No they didn’t

[@yasminlabra3238]

​@@butlerbees6639so what did they do? Share your wisdom 😂

[@BlakouttheMM]

I'm happy for them, but I do have to ask - at what point do you stop trying to have children on your own and give a home to a child in the adoption system who might never have parents? I've known multiple couples who have adopted directly or fostered and then adopted through there, and it's been wonderful. A lot of people say that they just want children that they made themselves, but the direct implication of that is that an adopted child is less than a genetic one, which is an ugly message. Over 8 billion people on this planet, millions of children without a home, why not put that half a million dollars towards helping those kids in need? Just a thought to anyone reading this.

[@butlerbees6639]

@@yasminlabra3238 they didn’t spend 500k on fertility treatments.

[@Pandorash8]

I worked with a lady who did 10 years of IVF and spent countless thousands. Finally gave up, and a year later she fell pregnant. She and her husband now have two children naturally conceived. Sometimes these things happen. Sometimes they don’t. Either way, finding peace is always beneficial.

[@MrJkheath]

1:14:03 Well said Dave, well said.

[@geoffdruin3714]

Hi I have a quick question. 5 minutes later Dave - So what is your question.

[@lisak6321]

I think it might be cool is if you picked 1 of your Baby Steps Millionaires co-host a show with you and add a little banter and input. I have fun just guessing what one of the hosts would say to the callers. Some times it's obvious, sometimes it is quite complicated but always fun.

[@homeboy391]

Cute baby on the debt free stage

[@BeeDee-qs9so]

“Team Green”- they were Very cute indeed 🎉

[@jessicayates87]

I never understand their stance against early retirement... You can volunteer, be there for family, start a community garden, care for some animals on a piece of land... There are ways to be productive and fulfilled without clocking in. Its a personal choice and there is no wrong answer as long as it makes sense financially.

[@warrenranstrom4462]

The dude that broke up with his pregnant girlfriend has no clue that child support is on the way and she is going to take him to the cleaners. His $500 credit card is peanuts compared to what he will be paying her each month for the next 18 years

[@SkylarReactions]

Why at the very end was their a TMNT turtle on loop? 😆

[@myoldvhstapes]

Because Dave mentioned them a minute or two earlier.

[@Trustbutverify2651]

They love the analogy of the turtle and mention it often as a way to build wealth. Slow and steady, but with the goal in mind.

[@adearabby6154]

I respect Dave's wealth of experience. I don't listen as often as his ego and yelling has gotten way out of hand.

[@lofidrewv3625]

Minute 55, let’s answer the question! And not get caught up giving 20 examples of the same thing and getting caught up needing to tell the person how wrong they are over… and over… and over.. again. Overall excellent content made by excellent people. Much respect

[@auburnanger6679]

Well, he took a long time to get his story out in the beginning...? So that had to go back and make it make sense.

[@mrheyz]

We are on BABY STEP #4 5 6....Gazelle intensity. My wife is holding the bumper....cause I zooming.

[@BooBae123]

4 5 and 6 is not gazelle intensity

[@patricksimon8943]

@@BooBae123not in your home but maybe they enjoy the intensity. You don’t “have” to become intentional if you don’t want.

[@mrheyz]

Yeah, but I got here like a gazelle....lol. It is slow and steady now. Just SOOOOO HAPPY!!@@BooBae123

[@dianem4188]

Eleana is beautiful. Much love to Nathan, Danielle, and Eleana of course.

[@mrheyz]

There is not a 10% penalty on the 457 plan according to my research.

[@darkhorsematters4550]

Love the SpongeBob Howdy Partner 🤠 insert LOL

[@L4NER619]

1:39:46 - This will go down as the single worst prediction in history. I have clipped and saved this video. Can't wait to revisit in 2 years when the market has absolutely collapsed.

[@BeeDee-qs9so]

Can someone please tell me how to do a time stamp (in future). I’m not having much luck…and I think I’m so teckie 😂

[@flashthecorgi2053]

Just type the time in like 1:17

[@BeeDee-qs9so]

@@flashthecorgi2053OH! 👌🙏😊

[@bettedavis9261]

​@@flashthecorgi2053❤️❤️

[@nataliestark8243]

Still he doesn't fully understand tax refunds. People get refunds not just for paying too much in, but also for refundable credits such as the EITC or the child tax credit. Those don't equal the amount paid in... Just saying.

[@funguy1086]

I think that's called a tax credit.

[@Trustbutverify2651]

@@funguy1086 But her point is that functions like a refund because the money you thought you had calculated accurately based on tax tables still resulted in your paying too much in. And it's very difficult to calculate tax credits a year in advance because they change sometimes from year to year.

[@amireallythatgrumpy6508]

No, that is not a refund, that is a payout. By definition, a refund is a return of money YOU have paid. Can't really hold this against you - after all even the IRS is so stupid they don't actually understand what a refund is. Which is it, a refund or is it credits? Because "refundable credits" is an oxymoron - two words that contradict each other.

[@robinh7267]

Even those tax credits can be added to your monthly paychecks.

[@jimroscovius]

Why would anyone with a mind leave Colorado to live in Florida?? I've visited Florida a few times. NO WAY would I live there!!

[@HashPhantom]

Colorado isn’t what it used to be, but I still agree with you 😂

[@flashthecorgi2053]

I live in FL and love it. It’s a matter of opinion! 😊

[@jimroscovius]

@flashthecorgi2053 True, but it's hot, humid, and miserable. I hated it almost every time I was there, but that's where the cruise ports are, so I have to be there for a day or two.

[@jimroscovius]

@@HashPhantom Agreed, but the mountains are WAY better than hot, humid, and hurricanes!!

[@flashthecorgi2053]

@@jimroscoviusTo be fair, I live by the ocean and have a pool so I have ways to cool off anytime it gets hot. I can see how miserable it could be if you didn’t have relief from the hot weather!

[@prikanarek93]

Anyone know how to do a budget on inconsistent income as an Uber eats delivery driver? I am really struggling with it bc I tend to work different hours sometimes due to something coming up unexpectedly, bdays, events, other work opportunities and etc. I try to work about 10-12 hours a day almost everyday. I also have a cleaning business that brings me just a bit of income on the side, not much. But I am really struggling to figure out how much to work where I don’t get burnt out again (as it happened before). Any advice on budgeting as an Uber eats driver would be greatly appreciated!

[@MsCas-mf7us]

Ugh. Tell me about it but it’s gotta get done and will get done.

[@Kulintronica]

Lemme get one of them crockpots sir

[@kaykark]

Matt, DO NOT sell your 24 year old son your house at a 100k loss! That’s crazy! You already know it’s a terrible idea.

[@brianshishnia3278]

I refrained from buying the ridiculously large number of products Dave Ramsey recommends, of which many serve no purpose but to increase his own personal wealth. I also decide not to take part online meetings purported to be educational or go in person to any of the many Ramsey activities and then I paid off my largest loan first. With this focus on my own finances and not being directly involved with creating wealth for other "well meaning wealthy people" I have saved enough in the last two years to pay off my last loan.

[@robinh7267]

Wonder how soon is too soon to refinance for lower rate?

[@Trustbutverify2651]

Why does Dave keep telling people that their investments will average 10% and double every 7 years? That is not always the case.

[@oneshot1kill158]

So for one yes it is.... the average for the life of the stock market is 10% and adjusted for inflation you could say 7%.... further more if you look at the numbers after 7 years the principle money you invest is doubled.... so if you put in 10000 over 7 years it will be come 20000. You can literally do the math yourself.

[@fateunreal]

This is why we can't have nice things.

[@msdiamondpiggy]

Guy shut up! Settle down and grow up. Pregnant in a relationship then he breaks up trying the move.

[@jongenness3509]

That opening with the not knowing what you’re going to do later got me i know im young but once im done my career at the local mill i dont know what i want to do probably enjoy but does anyone have any suggestions of what Dave and John mean? Thanks!

[@reginamajors3687]

Because they are still young, what will they do for producing income to live and not be in debt up to their eyeballs and plan for the unexpected being so young too I think is what Dave was getting at. Like how are you gonna live from 48 to 90 perhaps if you live that long.

[@Nigriff]

John must have been reading the comments over the last few months. He is not making potty jokes, not calling women "man" or "dude", and is listening to callers without making hasty generalizations and assumptions. Go John!

[@Trustbutverify2651]

Listening more but also likely also more careful when hosting with his boss. But on video Jonh frequently comes across as distracted or bored unless he is giving the response.

[@BeeDee-qs9so]

@@Trustbutverify2651Yes, I think being on with the boss makes a difference. They are all much better behaved!😅

[@flashthecorgi2053]

@@Trustbutverify2651I mean I’m sure sometimes he’s bored but a lot of it has to do with his ADHD and OCD. Have you noticed that he’s constantly twirling the pen, or drawing on the scrap papers? That’s all to help him focus.The only time he is able to be completely plugged in is when he’s talking or locked it with someone who experienced unfathomable trauma. He’s pretty vulnerable with his struggles of sitting still for hours on a show.

[@Trustbutverify2651]

@@flashthecorgi2053 Yes, you seem to know ALL about him, including what it takes to help him focus. Strange for just a listener.🤣And, good God, he's a grown man - he can defend himself without your coming to his rescue over every little comment.

[@Trustbutverify2651]

🤣🤣🤣@@BeeDee-qs9so

[@homeboy391]

Lol! Created a budget that intentionally overdrafts every month. lol

[@odessajackson4551]

All theses Johnny come lately!!! After they create a mess they want Uncle Dave to help them clean up the Shit!!!

[@RCGuitar982]

Brandon seems to care more about being successful in the eyes of others than actually being successful. Gotta get that debt paid off and that confidence up!

[@trentme09]

What was with SpongeBob? Lol

[@republicunited2183]

Stress, prescriptions, and crap in our food is what contributes to infertility.

[@auburnanger6679]

For the guy calling about his partner etc...i just imagine if it were flipped, would they call the man a bum for only chipping in 5000$ ? Tell him to move his butt in gear etc.

[@ThePolypam]

Did Dave's production install a phone in an insane asylum? One call was worse than the next.

[@christopherhernandez3909]

it's a recession. people are hurting..more than just financially.

[@brittanybowennn]

@@christopherhernandez3909exactly!

[@ThePolypam]

@@christopherhernandez3909 That's not what I mean. They were all over the place emotionally. He was irritated with them for good reason.

[@darrenhabecker6948]

Glad to hear Dave had a nice, relaxing time on the "free" beaches of Monterego... 👴😄

[@atulkapoor3476]

No penalty for 457 Dave. Only taxes.

[@jamesjazzy8040]

This guy is still recommending mutual fund when our national debt is $35 Trillion. Another $15 trillion and the stock market will crash ! But don't worry, your stock broker will keep mailing you pieces of paper that say you have money.

[@CYCO1631]

Concerning the tax stuff, and getting a refund. Not that I think this is anywhere close to vicinity of right, but in the case of lower income folks, and in certain (my) circumstances, it is not possible to file honestly, and not get $ back. Mainly, the idiots who write our progressive tax system do so in such a way, as to make one's credits exceed tax liability. We threw our entire refund at replenishing our EF & and the principle of our mortgage.

[@Trustbutverify2651]

Good use and paying the principal on your mortgage likely saved you more in the long run than investing that money bc house values go up faster, in general, than other investments.

[@paulh1745]

It’s pretty obvious to me that the Ramsey personalities would not dare disagreed with Dave Ramsey about anything, otherwise, I think they’d be history. I think of what Ramsey did the guy who had concerns about Covid and wanted to wear a mask. It was pretty ruthless.

[@Trustbutverify2651]

It definitely has the same party line, regardless of the show personalities - almost a cult by reading the worship from the followers. But, as always, listen to various voices who have no debt and are doing well financially (not the broke friends) and always "Trust, but verify."

[@paulh1745]

@@Trustbutverify2651 I think Dave is spot on with his financial advice, but there are cracks in the armor. For example, Dave Ramsey is a devout Christian, who blindly follows the Godless man, Donald Trump. He takes cheap shots at Dr. Fauci as if Covid was a joke. I could go on, but you get the point.

[@paulh1745]

@@Trustbutverify2651 I think when it comes to financial advice, Dave Ramsey is spot on. But there are chinks in his armor, such as being a devout Christian and blindly following a Godless man like Donald Trump. Or taking cheap shots at Dr. Fauci in the face of millions of people dying from Covid. There are some troubling things about Dave Ramsey.

[@rosedewittbukater5763]

Why would people who disagreed with Dave want to work at Ramsey in the first place? It only makes sense that people who agree with him in the first place would work there. That doesn’t make it a cult. 🙄it. Just means they are a group of people who agree with each other and wouldn’t be there without Dave’s success to begin with

[@Trustbutverify2651]

@@rosedewittbukater5763 Oh, my - do you really think that all of us who work agree with the leadership where we work? That is not even the case in Christian ministries. Disagreement can be destructive, but it can also be very beneficial. I was not talking about the personalities being a cult. I was talking about many of the viewers who don't stop to think if what is being said is always true - and sometimes it's not. I learn probably more from the comments posted by people knowledgeable in finance than I do from the personalities hosting the show - but I have never appreciated blind devotion. Just my opinion - that's all.

[@ashleyisachild]

Someone named totalfunnymakeovers deepfaked the 6th caller's voice for a gag on yt shorts / fb reels ugh 🙄

[@IrishMexican]

1:31:05 😂

[@emalienoel7891]

They really failed Ryan on this call

[@all_things_mystical1376]

1:6

[@homeboy391]

I'm the first to comment?! Awesome. Delony wearing black again as always. Noice... 😐

[@bluebelle9572]

👍🏻

[@flashthecorgi2053]

You will come to find out that Delony wears black most days. In fact, he actually wears punk rock band shirts and so really underneath the grey long sleeve button up is the battle of the bands graphic tee and that has pink in it. He did an Ig live yesterday and had the band tee on. Those are the shirts he wears on his show, and on the Ramsey show he dresses formal.

[@Denise-hd7ug]

Did Dave say capital gains are 15% on a $800k LT gain? No it is not! The gain puts her over $400k in come so she will pay >20% federal + state. It’s a huge amount to sell a rental. She needs major tax advice not from a goober on the radio.

[@kentuckyjim5108]

That is exactly what he suggested to her.

[@Greebodeux]

Income Tax is applied to earned income and capital gains is applied to profit made on the sale of a capital asset. Only short term gains are taxed as ordinary income. Taxes suck, but they don't hit you with both at once lol

[@Telhasteeze]

Comparing everything to cancer is getting out of hand! Please stop

[@jjkatz]

Dave is so unrealistic thinking people are going to live to be 98. 🙄

[@stevensalter9697]

BitCoin take @1:41:00 not so wise. It's up 120% since october lol, hitting ATH. What you talking about.

[@vikieierdam5516]

I 100% heard the $450k caller say he's overspending on his house build and he's trying to find money. $450k! How is a person scratching for money - to the tune that they're willing to take a 50% loss on a retirement account - making $450 k?! I am so confused.

[@Trustbutverify2651]

Several calls today were confusing - it's not just you!

[@mattlaeff724]

Disagree when Dave and John hate when folks can retire early -- sounds jealous.

[@BlakouttheMM]

Jealous? Dave is worth hundreds of millions of dollars and has no debt. I think it's more that people have the wrong priorities and they just want the best for people - a life of lazy hedonism where you slave away in a job you hate so you can retire early and sit on your butt is no life at all, and many people who do retire end up having health problems and other issues because they lose focus. Maybe some people can pull it off, but for most, it's a much better idea to find a job that you absolutely love and fulfills you. That's why Dave says he'll never retire and I believe him. This job of helping people is very fulfilling for him. I used to want to retire early, but that was when I had a job I hated. I like my current job, and I'm working towards getting into a career that I absolutely love - and the nice thing about that, is that when you love your work, you work harder, and you get further, and you make more money. Then when you do retire, you can do so much more.

[@mattlaeff724]

You believe everything people scream at you? Dave is a Realtor. Nothing more. It's the most dishonest, unethical job on the planet. This is a TV show. Nothing more. It's all fake.@@BlakouttheMM

[@su-mu]

2:03:50

[@loriej9297]

I think the second caller probably hung up because Dave & John were being so presumptuous and rude. I would have done the same. If cooking feeds his soul (it certainly does mine) then they should accept that and not be pretentious dicks about it.

[@RonnieMundt]

Love Dave but how can Bitcoin be called a scam at this point in time lol

[@martinmi5]

Don’t listen to these clowns 🤡 Retire as soon as you can and enjoy your life.

[@amireallythatgrumpy6508]

Retiring PREVENTS you from enjoying your life.

[@homeboy391]

Lol! Umm...Dave's kind of an a$$. Lol! Entertaining

[@BaileyHorse]

Fauci pandemic 😂

[@Nigriff]

I agree with just about everything Dave says, but he doesn't know what he's talking about regarding Bitcoin. I'm not saying you should put all your money in it, but it is a finite asset backed by actual energy. It is not controlled by corrupt banks, corporations, or governments. It is worth the same all over the world and can be traded or used as currency by anyone, anywhere thus allowing the little guy to make it big. This is why many developing countries are fully Embracing it and why older millionaires and developed countries don't like it. Quite honestly, most people do not fully understand it as a wealth building tool. Millions of people have made apt of money over time with sound strategies. It has doubled in value the past year and is up 1700% in the past 5 years. It is the future.

[@amireallythatgrumpy6508]

"It is not controlled by corrupt banks, corporations, or governments. " That's what they want you to think. " but it is a finite asset backed by actual energy". As is everything in existence. "It is the future." It is proof that there is no future.

[@imanjones8240]

🎉2nd🎉

[@homeboy391]

Yay!

[@Langdoon]

So I can’t call my non-binary spouse my partner because it’s gender neutral because it too by is need sounding for you? I understand a lot of people use “partner” for someone they are in a relationship with but not married to but to say that’s not a term that should be used for married people is just wrong. Makes me not want to call in the show..

[@ProbablyBased]

If you're married, the other person is your spouse. Spouse is the gender-neutral term. "Partner" is, like you said, for those who can't claim that title. So yes, using "partner" for a spouse is needlessly ambiguous

[@homeboy391]

Nathan & Danielle had a hard time getting pregnant. Meanwhile, I had 3 oops babies by the time I was 23! Weird how life works...

[@Trustbutverify2651]

There is no such thing now as an "oops" baby - we all know how they're made and how to prevent a pregnancy. Absolutely nothing weird about that aspect of life.

[@homeboy391]

@@Trustbutverify2651 don't get your panties in a wad. You know what I mean sweetheart.

[@homeboy391]

@@Trustbutverify2651 Don't get your panties in a wad sweet heart. You know what I mean

[@homeboy391]

@@Trustbutverify2651 When I said "weirdo how life works" I meant that some people have no problem getting pregnant. First time works every time. And others struggle so much with it. Pull your head out of your ass lizzy...

[@jasonnewland6187]

Dave keeps saying Bitcoin is a scam. He must explain. He even said, “I told you it was a scam!” It’s at an all time high. Blackrock and Fidelity own billions of dollars of it. I’m so confused when he says it’s a scam. What’s the scam?

[@LookingupinJA]

😂Dave is old school … I am too …😅 … bitcoin is another level …

[@jasonnewland6187]

@@LookingupinJA I get what you’re saying with old school. Dave shouldn’t mention Bitcoin ever. He has no understanding of it. 99.9% of crypto is garbage. Bitcoin is Bitcoin. Its proven itself.

[@LookingupinJA]

@@jasonnewland6187 time is the master of all debates

[@Trustbutverify2651]

His show is geared to getting people out of debt and keeping them out of debt. As such, he is not going to advise on ANYTHING, Bitcoin or anything else, that he believes is anything other than "slow and steady." That's why he always gives the analogy of the tortoise and the hare. Bitcoin is not for people who have thousands of dollars in student loan debt, car debt, and personal debt. What Dave advises against is anything that is new and bright and shiny and makes people think that is a quick way to get out of their debt. He doesn't just pick on Bitcoin - he attacks other means of trying to get out of debt quickly like timing the market, etc.

[@user-eo6is6go9d]

Bitcoin is beating the S&P500 this year. Boomer Dave wrong again

[@amireallythatgrumpy6508]

Who cares about this year?

[@andrewmcrorie3096]

oh boy Dave is mad bitcoin is at all time high haha